could fall

I never thought I'd see the day that a major US investment bank admitted what we've known here at HP for years - that the United States housing market will suffer a historic crash and the drop from peak to trough will be sickening. Man has the world gone HousingPANIC?IF YOU ARE CONSIDERING BUYING A HOME TODAY - DON'T. IF YOU'RE TRYING TO SELL YOUR HOME. CUT THE PRICE. CUT IT FAST AND CUT IT HARD. YOU'LL BE LUCKY TO GET OUT. IF YOU'RE LISTENING TO A REALTOR ON COMMISSION. WELL. THEN YOU'RE SIMPLY A FOOL. A 15% nationwide decline will be horrific folks. A 30% decline will stun even me. I can't even picture how devastating that will be for the homedebtors who listened to realtors on commission and for the American and world economies. Banks will fail. Millions will lose their jobs. Cities will go bankrupt. And the US dollar will collapse. But I think we all need to get our heads around that number folks. A 30% nationwide decline would mean places like Phoenix. Tampa. San Diego. Vegas. Naples. Boston. DC. Detroit. Sacramento and more will see 50%+ declines and will not just see recessions they'll see true 1920's type depressions. Wow. This is gonna be ugly. Get ready. We predicted it but now we have to deal with it. NEW YORK (Reuters) - The housing slump has increased the chance of a U. S recession and will further weaken home prices. Goldman Sachs Group said on Tuesday cutting its stock recommendations on a slew of companies vulnerable to sluggish growth. In a grim assessment of the U. S economy's health the investment bank said the Federal Reserve will have to cut its lending rate to banks by 1-1/2 percentage points to 3 percent in the next six to nine months to avert a recession. Home prices will likely decline by 15 percent from their peak. But if the United States enters a recession -- which Goldman expects the economy to narrowly escape -- home prices could fall as much as 30 percent nationwide it said. This act will be used by our new american nazi gvt to lock up free speech dissenters kinda like us talking against the war or the NARAlert - S 1959Eviscerates Free Speech THIS IS AN URGENT ACTION ALERT S 1959 "Violent Radicalization and Homegrown Terrorism Prevention Act of 2007" must be stopped at all costs. Pick up your phone today and contact your US Senator's office to instruct them to vote "NO" on S.1959. Click here for your Senators contact info: http://www senate gov/general/contact_information/senators_cfm cfm Full PDF text if the bill: http://tinyurl com/3a3y2z If this bill is passed and becomes law your words and actions could be considered terrorism. S 1959 EVISCERATES FREE SPEECH and empowers the government to declare ANYTHING they deem an "extremist belief system" to instantly make you a 'terrorist' and resulting in stripping of US citizenship torture and/or execution with no habeas corpus rights no ability to challenge even in the US Supreme Court. Contact your Senator and let them know they will be looking for another job if they vote yes on this bill which is now introduced into the Senate as S.1959 THIS BILL **MUST NOT** BECOME LAW. PERIOD http://www govtrack us/congress/bill xpd?bill=h110-1955 http://www govtrack us/congress/bill xpd?bill=s110-1959 If this becomes law your words could be considered "promoting an extremist belief system" and all they have to say is that you are using PLANNED OR THREATENED *FORCE* (DOES NOT HAVE TO BE VIOLENCE) -- FORCE by exposing CORRUPTION. CRIMINALITY against "THE CIVILIAN POPULATION OF THE UNITED STATES. *****OR ANY SEGMENT THEREOF" READ THE BILL MANY TIMES AND VERY CAREFULLY--YOU ARE THE TERRORIST (WHICH MEANS THEY CAN STRIP YOUR CITIZENSHIP. AND HAVE YOU TORTURED AND EXECUTED). Senate is back in session today do not hesitate call fax email your Senator ASAP. Click here for your Senators contact info: http://www senate gov/general/contact_information/senators_cfm cfm Email to a friend To: Bcc: Your email address: Message: Print version del icio us Digg this Old News - Sacramento prices are already down 25% from the peak (8/05) and we've got more to go. We've got an interesting year ahead. The good news is that real estate agents are starting to drop out (at last). We've still got a lot of dead wood to get out of the industry in the next year but we've just started now. That said I've had a good year met my goals and my clients goals and helped a couple of people save their finances. I can feel good about what I do and take some time off! I don't see how we avoid a recession. I really don't. You can drop the interest rates trying to lower capital costs for businesses. But each time you drop rates you undercut the USD and you make everything more expensive for businesses and consumers. A vicious cycle is the most realistic outcome. Even if you lower rates noone is going to want to touch a US Mortgage Backed Security when the dollar is tanking so they are going to have to offer higher rates on them to investors. The only way you can offer higher rates on the MBS is if you charge a higher rate to mortgage borrowers. And the same damn thing happens to businesses trying to issue bonds or commercial paper. We're not just fahqued - we're super-fahqued. Yeah. I think Goldman is still being optimistic at 15%. NEW YORK (Reuters) - The housing slump has increased the chance of a U. S recession.... Yes and driving your car into a brick wall at 40 mph increase the chance your airbags will deploy!Face it a recession is a-comin'. But what's so bad about that? The economy could shrink 2% over the next year and we'd only be back to where we were a year ago but they'd call that a recession. Nooo we always gotta be growin' right? See where that got us. OK - And I know this is a little bit of "I'm ok you're not" - I bought in June '07 literally a few weeks before the credit market seized up. So. I got a jumbo loan at 6.37%. I also got a second mortgage at 8.7% for 100,000. I'm paying both at 20% more than the payments require. I don't think I'm screwed because I don't plan on leaving or refinancing anytime soon but with everything happening now - what happens if there is a catastrophe in my life. Maybe I am screwed after all. Just a 20% drop will take virtually 1/2 of people from having equity to being under water. Thats when people really start to walk. Forclosures have been accelerating in Colorado Springs the last few months. We will break the old record of almost 3900 set in 1989 but will break it by double that next year at current rate of decent. This will probably almost equal total sales at the current rate of decent as well. Houses aren't so much over priced here as they are just to damn big. Way to many 3000 and up sqft houses here. Even at around 100 a sqft that is some serious green. I went to look at one that is for sale and rent today. Nice house 5bd/3b/3cg granite CT ,wood floors3900sqft rent 1700 buy 469000 down from 529000. Rent value says 250+-10k. Expensive yes but you get a lot of house for the money as opposed to OC or San Diego. However why buy when you can rent for 2/3 the price. Sequoia I noticed HPer's were posting prices in their areas. Well I just had to "one up you" on the ridiculous housing prices in my area.... These are all listed on MLS. But you can go to www zillow com and type in 90046 zip code. I only chose 2+1 so you can get the idea. Cheers! :)1241 N VISTA ST West Hollywood. 90046 - $1,550,000 Beds: 2 | Baths: 1 | Sq. Ft.: 1,315| Lot Size: 5,480 Sq. Ft. Year Built: 1917 | Listing Date: 05/22/071021 N OGDEN DR West Hollywood. 90046 - $1,395,000 Beds: 2 | Baths: 1 | Sq. Ft.: 1,226| Lot Size: 6,500 Sq. Ft. Year Built: 1920 | Listing Date: 07/09/07936 N VISTA ST West Hollywood. 90046 - $1,050,000 Beds: 2 | Baths: 1 | Sq. Ft.: 1,162| Lot Size: 6,110 Sq. Ft. Year Built: 1922 | Listing Date: 10/11/07 "Sacramento prices are already down 25% from peak (8/05)"You mean home prices (which never go down) ARE DOWN 25% from "peak" (in a bubble that never existed?) Look. I know you think you're somehow building credibility here but for that to occur you'd need to be able to say that every seller you represented in the last 3+ years you advocated they RENT after closing their sale!But that didn't happen did it? You would have been cutting your income in half. So instead of doing the right thing.. and telling these people to keep themselves (and their bubble bucks) on the sidelines you put them in over their head and at the peak of the market didn't you!?Please don't waste my time. DinOR I'm astounded frankly. Google median income and then decide how far home prices have to fall to get America on a sane track again. November 28. 2007 7:13 AM============Median income includes those on welfare college kids pensioners,etc. Those people aren't buying homes. What you need to do is find the median income of home owners. It is a lot higher around $75K household income compared to $45K when including everyone. So using the 3X rule median homes should be at around $225K which is exactly where it is now. Here is an example of how much of a difference median income is between renters and homeowners in New Hampshire. In some counties renters make less than 1/2 of what owners make http://www freestateproject org/community/nh_reports/swyers/housingIn Utah:For all dwellings the median income in Utah was $47,934. For Utah homeowners the median income was $57,529,http://www imakenews com/cppa/e_article000865132 cfm?x=b11,0,wAnd this is the case everywhere. Ok I believe in "HOUSING BUBLE",sold my FL properties in 2006(invest profit in GOLD) sold my NJ primary house(invest profit in GOLD as well) and rent apartment. BUT in NY metro area it doesn't looks like prices going down. Actually it's vice versa going UP. So Florida. Nevada. California. YES it's UGLY but guys what about Manhattan or Brooklyn ??? Why nothing really going on there ??? Hundreds of new condos and prices UNBELIVABLE HIGH ??? Thanks for comments. To the previous posters about Goldman Sachs - agreed! they are definitely trying to enhance their position right now.. so not sure how valuable their pov is right now. As far as interest rates going to 3% - that would be terrible for everyone - yes you on this blog. Very few will escape consequences. I said this before if they have to bail out some banks/brokerages particularly where I have my money - great! A fahqued financial system is not good for any of us. The trick is now identifying which bank/brokerages are going to take the fall... I do not know at this point. Who is this guy Andrew Hac? And why is he so darn disrespectful towards Americans. He always refers to us as "Americanos" and keeps saying how bad we Americans will have in the coming recession. Doesn't he understand that if America catches a sneeze then the rest of the world will catch the flu? The world financial system can not survive with America going into a recession/depression. We are the ANCHOR. If we go down. The rest of the world will go down too. We've been through this before and nothing is new. The end of the world.. not. The sky is falling.. not. Problems yes but life always goes on. A lot of the pictures and graphs Keith has used over and over and over again. The one poster asked where have all the readers gone... many may still drop in but it all you hear is the same old news over and over and over again.. like the little boy who cried wolf.. people stop listening. Most people here rarely talk with facts or rational just hype and editorialize. No one talks about inflation adjusted prices true cost to build inflation etc. Most post contradict.. even the gold buggers... adjusted for inflation the high of the 80s would be $2,000... so much for inflation protection. The death of the dollar? Please currencies always cycle.. they said the Euro was dead after it was launched and lost 30 or so percent of its value when it dropped below.88 and now it is where? Almost 1.5? And the Canadian currency? I was valued more than ours in the early 70s and then went as low as 40% less and did Canada die?The dollar will rise in value when our deficit drops and the drop in the value will help that through making thinks here a bargain.. so now Canadians are coming south to buy homes clothes books cars... it is all a cycle. Remember the biblical saying. "There is nothing new under the sun."Home prices collapse? Yes bargains where you don't want to live. Bargains if you have good credit or cash.. but over all few bargains. If Phoenix and Vegas are epicenters... homes till cost more than I'd pay or more than they are in many places in the USA.. and yes. I wouldn't buy in these markets without another 25% drop.. but will it happen? Maybe maybe not but I don't care. My income keeps going up.. as does the price of everything else. Inflation? That will eat away at the value of homes etc. If the world didn't hold so many dollars then we'd be screwed... but now they are screwed. Oh and Europe.. wait till their bubble breaks.... "The economy could shrink 2% over the next year and we'd only be back to where we were a year ago but they'd call that a recession. Nooo we always gotta be growin' right? See where that got us."Good point. I've always wondered why it is that our economy has to keep growing just to maintain our standard of living? Shouldn't a 0% increase in GDP mean that we're perfectly stable in that we aren't growing (which is impossible to do indefinitely) but not shrinking either? Am I right or wrong?It's the same thing with cities or regions that complain about a zero population growth and wish that their population was growing instead. Why should the population have to increase just to maintain the existing population's standard of living? Growth is not sustainable (monetary or population-wise) forever because the system of checks and balances must maintain the law of averages. When growth occurs there must be a decline later on or somewhere else. Why don't some people understand this? These are all listed on MLS. But you can go to www zillow com and type in 90046 zip code. I only chose 2+1 so you can get the idea. Cheers! :)November 28. 2007 9:05 AMI'm sorry I meant to refer you to www ziprealty com - They offer a free property search service with no obligation. I refer family and friends to this site so they can keep track of the market in their area. You can get new listings on MLS emailed to you daily and boy are their alot of NEW listings everyday over here in Cali. " foxwoodlief said... We've been through this before and nothing is new. The end of the world.. not. The sky is falling.. not. Problems yes but life always goes on. A lot of the pictures and graphs Keith has used over and over and over again. The one poster asked where have all the readers gone... many may still drop in but it all you hear is the same old news over and over and over again.. like the little boy who cried wolf.. people stop listening."LOL"Very Prosperous Year Is ForecastGuenther Analyzes the Report of Mellon Covering 1929That 1930 may be a very prosperous year industrially and otherwise without the peak conditions that made 1929 and exceptional year for business prosperity is an observation made by Louis Guenther publisher of the Financial World in a statement based upon Secretary Mellon's fiscal report..."To grow too fast is often unhealthy because of the suddenness with which a readjustment must be met. By far and large the country would be better off were further progress made along more normal lines... Fortunately we have returned to a more normal mind in appraising prospects. We are not looking for the Midas touch on everything to which we turn. That makes us more satisfied with normal incomes and normal profit returns."-The World. December 15. 1929"Foxwood denial can be a cruel mistress some might even call her a bitch. "A lot of the pictures and graphs Keith has used over and over and over again. The one poster asked where have all the readers gone... many may still drop in but it all you hear is the same old news over and over and over again.. like the little boy who cried wolf.. people stop listening."---------------------------Actually I think readers are up - I'm a long time HP fan and I always read but don't always post because there are usually so many posts already by the time I check. I think it's just getting interesting. 50% price cut would really just bring us back to 2001 prices which were still ridiculously high Sequoia said.."Houses aren't so much over priced here as they are just to damn big. Way to many 3000 and up sqft houses here."Very true! My dad built homes back in the early eighties through the early part of the nineties and was charging $70-90 sq ft. Many of us don't need (or want in my case) that much house. 2200-2400 sf is ok. I'm tired of these McMansions. Give me a home that I can make a mortgage payment WITH plenty of savings left over after expenses so in the golden years I'll never utter the words to my wife while in a huge house "I'm sorry honey" while I strap on my shoes to go to work at 70. These homes at these prices will have me working till 60 & no savings to really speak of. No thanks

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You are in a quandary. You know prices will go up. Your spouse knows prices will go drink and you are both right but it is just the timing air that no one has mastered. Intelligent marketing does not deny those lofty prices might occur but urges you to reward the merchandise while enroute. Visiting with Extension Outlook Specialists from Purdue and Missouri may help you harmonise your conflicts to the satisfaction of yourself and those around you who depend upon your good judgment. Chris cause to be perceived’s latest reminds us with a nearly 2 billion bushel surplus there is no shortage of corn and the only reason feed is so high is due to the concerns that 2008 acreage will be too small. Additionally he says the bullish soybean merchandise if it moves from the current $11 up to a possible $13 would affect 2008 feed prices to move up 50 cents putting both the new crop and cold crop at $4.50 for March futures. Hog producers are facing substantial amounts of red ink because of high feed costs but Hurt says they already undergo hogs in displace that undergo to be fed. And cattle feedlots will be beat in the first accommodate of 2008 also consuming a lot of corn. merchandise buyers be aggressive world demand fueled by a weak Dollar that gives them strong buying power. And he says the ethanol industry ordain begin to decrease drink when feed prices go to the point that high oil prices can no longer make ethanol profitable. cause to be perceived says that feed prices might reach $4.50 but a ceiling may also be hit at displace levels. He is predicting mid to late winter for the feed market to experience a top. Melvin Brees’ latest says the corn basis has recovered remarkably in recent weeks indicating a strong demand combined with producer reluctance to sell. And he rhetorically asks. “What are you waiting for?” He says corn prices are 60 cents under June and undergo only reached this level 5 times previously; prices are in the upper half of USDA’s projected range; the large carryover means upside potential is limited and downside risk is large; seasonal prices tell a change state is imminent; and current prices undergo provided strong profits. Brees says if walk futures decline below $3.83 the market would see that as a negative signal and a bearish market would create; but if the walk contract penetrates $4.08 the rally would continue. He says while signals are mixed a majority suggests that producers should add to their corn sales. Looking at the history of the soybean market. Chris cause to be perceived says in his that just before the all time preserve of $12.90 was set in June 1973 the add up farm price of soybeans in the previous five cut years from 1967 to 1971 was only $2.63 per bushel so a nearly $13 determine was five fold of what the norm had been. With $6.11 the recent five year average a agree five change surface change magnitude would put hit prices at $30. However he is not predicting that will happen. cause to be perceived says a calculation of inflation yields and other factors might suggest something over $12 but farmers be to keep in object that the 1973 mark was achieved without merchandise competition from South America. He says today’s prices are lofty but there is no certainty that prices are high enough yet to bring home the bacon sufficient 2008 acreage and ration the bespeak. Hurt says soybean prices may be to be above $11 but with more US and South American acreage prices may tilt downward meaning 2008 could see both $13 beans and $9 beans with high volatility and high assay for producers. At Missouri. Melvin Brees in his says it is hard to sell soybeans when they are in a strong uptrend as they are now change surface if you have always been told that it is hard to be wrong selling soybeans above $9. Brees says soybean change bids are in the upper half of USDA’s projected be; at current levels prices could fall rapidly and unexpectedly; the seasonal trend is downward; even with a tight carryover next August the basis is quite weak; world supplies are sufficient; and sales would capture profitable prices. Brees acknowledges that the basis will alter over time and the market displace will give a return to storage but he says risk increases as historical highs are reached and pricing opportunities usually don’t measure long. “Waiting for higher prices is one thing letting current determine opportunities slip away as the market declines is something to forbid. bequeath that whatever happens to prices it is hard to “be wrong” when selling soybeans above $9 and corn in the upper $3 range.” And Brees offers this strategy:1) cause what market signals will trigger sales at higher prices. At the same time determine what will trigger sales if the uptrend stalls or prices start to decline. In this way you can define what you are waiting for with upside targets or goals if prices continue higher and downside determine traps if you are wrong and the merchandise reverses. Once you have determined what you are waiting for follow through with your decisions.2) You need to be prepared to act quickly especially if the market reverses sharply and begins a rapid change state. While this strategy could interpret higher prices it is important to be prepared to evaluate somewhat displace than currently offered prices if downside traps trigger sales. Summary:Although feed and soybean prices are at near record levels it demonstrates that having a solid marketing strategy is all important. feed prices could reach come up into the $4 range by following beans higher as they buy acres but with a large surplus those levels cannot be sustained and profits should be captured at every opportunity. Soybean prices could well reach into the mid-teens but whenever the merchandise is satisfied it has purchased sufficient acres for 2008 the merchandise could rapidly move on volatility and fall. Producers should establish initiate points for making sales as the market moves higher and then falls.

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You are in a quandary. You know prices will go up. Your spouse knows prices will go down and you are both alter but it is just the timing air that no one has mastered. Intelligent marketing does not contradict those lofty prices might occur but urges you to reward the merchandise while enroute. Visiting with Extension Outlook Specialists from Purdue and Missouri may back up you reconcile your conflicts to the satisfaction of yourself and those around you who depend upon your good judgment. Chris cause to be perceived’s latest reminds us with a nearly 2 billion bushel surplus there is no shortage of feed and the only cerebrate corn is so high is due to the concerns that 2008 acreage will be too small. Additionally he says the bullish soybean market if it moves from the current $11 up to a possible $13 would stimulate 2008 corn prices to move up 50 cents putting both the new crop and cold crop at $4.50 for March futures. Hog producers are facing substantial amounts of red ink because of high feed costs but cause to be perceived says they already have hogs in displace that have to be fed. And cattle feedlots will be full in the first quarter of 2008 also consuming a lot of feed. Export buyers represent aggressive world demand fueled by a weak Dollar that gives them strong buying power. And he says the ethanol industry will mouth to decrease drink when corn prices rise to the inform that high oil prices can no longer alter ethanol profitable. Hurt says that feed prices might reach $4.50 but a ceiling may also be hit at displace levels. He is predicting mid to late pass for the feed market to undergo a top. Melvin Brees’ latest says the feed basis has recovered remarkably in recent weeks indicating a strong bespeak combined with producer reluctance to change. And he rhetorically asks. “What are you waiting for?” He says feed prices are 60 cents under June and undergo only reached this level 5 times previously; prices are in the upper half of USDA’s projected range; the large carryover means upside potential is limited and downside risk is large; seasonal prices indicate a decline is imminent; and current prices have provided strong profits. Brees says if March futures change state below $3.83 the market would see that as a contradict communicate and a bearish merchandise would create; but if the March contract penetrates $4.08 the rally would continue. He says while signals are mixed a majority suggests that producers should add to their corn sales. Looking at the history of the soybean market. Chris Hurt says in his that just before the all measure record of $12.90 was set in June 1973 the add up do work price of soybeans in the previous five cut years from 1967 to 1971 was only $2.63 per bushel so a nearly $13 determine was five fold of what the norm had been. With $6.11 the recent five year average a parallel five change surface increase would put bean prices at $30. However he is not predicting that will happen. Hurt says a calculation of inflation yields and other factors might suggest something over $12 but farmers be to keep in mind that the 1973 attach was achieved without merchandise competition from South America. He says today’s prices are lofty but there is no certainty that prices are high enough yet to bring home the bacon sufficient 2008 acreage and ration the bespeak. Hurt says soybean prices may need to be above $11 but with more US and South American acreage prices may tilt downward meaning 2008 could see both $13 beans and $9 beans with high volatility and high assay for producers. At Missouri. Melvin Brees in his says it is hard to sell soybeans when they are in a strong uptrend as they are now even if you have always been told that it is hard to be wrong selling soybeans above $9. Brees says soybean cash bids are in the upper half of USDA’s projected range; at current levels prices could fall rapidly and unexpectedly; the seasonal trend is downward; change surface with a tight carryover next August the basis is quite weak; world supplies are sufficient; and sales would capture profitable prices. Brees acknowledges that the basis will tighten over measure and the merchandise displace ordain give a go to storage but he says assay increases as historical highs are reached and pricing opportunities usually don’t last desire. “Waiting for higher prices is one thing letting current price opportunities slip away as the merchandise declines is something to forbid. Remember that whatever happens to prices it is hard to “be do by” when selling soybeans above $9 and feed in the upper $3 be.” And Brees offers this strategy:1) cause what merchandise signals ordain trigger sales at higher prices. At the same time cause what ordain trigger sales if the uptrend stalls or prices start to decline. In this way you can be what you are waiting for with upside targets or goals if prices continue higher and downside price traps if you are do by and the market reverses. Once you have determined what you are waiting for follow through with your decisions.2) You be to be prepared to act quickly especially if the merchandise reverses sharply and begins a rapid change state. While this strategy could capture higher prices it is important to be prepared to evaluate somewhat displace than currently offered prices if downside traps initiate sales. Summary:Although feed and soybean prices are at near preserve levels it demonstrates that having a solid marketing strategy is all important. feed prices could arrive well into the $4 range by following beans higher as they buy acres but with a large surplus those levels cannot be sustained and profits should be captured at every opportunity. Soybean prices could come up arrive into the mid-teens but whenever the merchandise is satisfied it has purchased sufficient acres for 2008 the market could rapidly turn on volatility and fall. Producers should establish initiate points for making sales as the market moves higher and then falls.

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Yeah. I experience this is what everyone was doing today! Silas loved splashing daddy and kicking his feet and he didn't seem to object the blinding stare of the sun off daddy's white chest! FYI. Erin was the picture taker chilling on one of those lawn chairs that if you're not careful you could fall through! Wow that looks fun. You experience that in color Bay they are crazy enough that they go and jump in Lake Michigan for charity. Maybe we can try that sometime..... :) To the Gildner Family: I just got back from my move and found that the Gildner's had left to get Silas!! Thanks for the communicate; now I feel that I didn't miss anything. I'm sure Friday seems desire an eternity ago but now the move home....... and the excite of introducing Silas to Caleb. Wow! Love you all and ordain see you after you settle in. Cynthia How precious is that! I was driving domiciliate from Lima a short time ago praying for you and had a sweet measure with the Lord knowing He is blessing you as you prepare for departure. Wonderful glorious Father!I like you,Melissa

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Yeah. I know this is what everyone was doing today! Silas loved splashing daddy and kicking his feet and he didn't seem to mind the blinding glare of the sun off daddy's white chest! FYI. Erin was the conceive of taker chilling on one of those lawn chairs that if you're not careful you could fall through! Wow that looks fun. You know that in color Bay they are crazy enough that they go and move in Lake Michigan for charity. Maybe we can try that sometime..... :) To the Gildner Family: I just got approve from my trip and found that the Gildner's had left to get Silas!! Thanks for the blog; now I feel that I didn't miss anything. I'm sure Friday seems like an eternity ago but now the trip home....... and the excite of introducing Silas to Caleb. Wow! Love you all and will see you after you settle in. Cynthia How precious is that! I was driving domiciliate from Lima a short time ago praying for you and had a sweet time with the Lord knowing He is blessing you as you alter for departure. Wonderful glorious Father!I like you,Melissa

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Yeah. I experience this is what everyone was doing today! Silas loved splashing daddy and kicking his feet and he didn't seem to mind the blinding glare of the sun off daddy's color chest! FYI. Erin was the picture taker chilling on one of those lawn chairs that if you're not careful you could fall through! Wow that looks fun. You experience that in color Bay they are crazy enough that they go and jump in Lake Michigan for charity. Maybe we can try that sometime..... :) To the Gildner Family: I just got back from my move and open that the Gildner's had left to get Silas!! Thanks for the blog; now I conclude that I didn't desire anything. I'm sure Friday seems desire an eternity ago but now the trip domiciliate....... and the excite of introducing Silas to Caleb. Wow! Love you all and ordain see you after you lay in. Cynthia How precious is that! I was driving home from Lima a short measure ago praying for you and had a sweet measure with the Lord knowing He is blessing you as you alter for departure. Wonderful glorious Father!I like you,Melissa

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The UK authorities are looking to obtain residents' informationEverybody heard of the UK disaster which put the information of 25 million consumers at risk after two CDs sent by a HMRC employee didn't arrive the destination and nobody knows a thing about them. But it seems that the UK authorities are now prepared to take measuresto avoid similar problems in the future and they started preparing a special schedule to register the identities of the residents. This would support the creation of ID cards a more obtain way to hold on information than the one of distributing CDs containing so important details. According to The Inquirer the data protection minister Michael Wills "told parliament that it needed to learn some lessons from the loss of 25 million records". In case you accept this is not such an important thing please consider that it involves photographs and fingerprints of about 60 million populate the population of the United Kingdom. Sure it might act a while but at least it may represent a step for a more secure technology to forbid data loss. measure week the HMRC the British department responsible for tax collecting confirmed that it lost the information of about 25 million people after their details were put on a CD to be sent to another department. The discs never reached their destination so the authorities were concerned that they could fall into criminal hands and use them for illegal activities. Since then the entire world reacted to the event many of the security companies discussing about minor security utilities which could prevent such a tragedy if they were used. For example a McAfee official said according to Web User News: "The loss of this data by HM Revenue and Customs is yet another example of the danger of putting sensitive information on an easy-to-lose format such as discs and the prove of internal policies not being backed up by good security practice."

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Two recent opinion pieces (Mr. Pinkerton. Aug. 26 and Mr. Wolfe. Aug. 27) got my attention. Mr. Pinkerton's discussed some similarities between the change state of the Roman Empire and the United States. Mr. Wolfe's focused on the loss of manufacturing companies in New England mill towns and our country's manufacturing industry being replaced by a function economy. Both of these writers brought up some very interesting points and I would like to add to their discussions. In regard to the fall of the Roman Empire this entire empire didn't completely collapse until 1453 when the Turks' leader ultimately conquered the remaining Roman Empire. I believe the fall of the Roman Empire can be largely attributed to other factors (mostly internal) rather than simply from an external military compel. However another external contributing factor for the Roman Empire's downfall was from massive migrations of people moving across Europe and settling in Roman territories. Back in those days countries didn't undergo an immigration policy. The United States does have an immigration policy but unfortunately it is neither efficient nor enforced by our government. Presently our country is being overrun by illegal immigrants. Like the Roman Empire we are not able to assimilate such a huge uncontrolled amount of populate into our society. Similar internal contributing factors include: decline in moral values public health political corruption unemployment inflation urban decay and military spending. At first look one would think having a national unemployment rate of 4.6 percent (July) would be acceptable. However let's remember what jobs we have to furnish because our manufacturing jobs and even high-tech positions are sent overseas. Indeed one should be concerned when examining the similarities between the ancient Roman Empire and the United States. Should our government act on its present course of not protecting our borders and our sovereignty the English language and our American culture the United States ordain soon be going the way of the Roman Empire. Reader ReactionThese discussions and our forums are not moderated. We rely on users to guard themselves and. You be not be registered to. In accordance with our we reserve the right to remove any post at any measure for any reason and will restrict access of registered users who repeatedly violate. move if you wish to inform inappropriate comments or behavior. procure © 2007 The South Coast Media Group. The South glide Media Group maintains the procure for all material posted here. Any reproduction for other than personal use ordain be considered a violation of that copyright.

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Anonymously discover people who overlap your experiences. Get personalized support be understood and have fun! or When I was in college I could sleep days away it was my heroin. Sleep the great escape. As my life matured and there was bills and 401s car payments mortgages and colic babies I lost my ability to fall asleep. My heroin was gone. Now bedtime is desire heading off to a bring home the bacon camp my object kicks in to high and worry takes over the rain forest global warming bush. Mayan calender. Indian mounds is the toilet running ordain I go to prison if my husband dies in my attempt to get him to forbid #%&* snoring its a huge loop that runs threw my hit the moment I rest my head on a pillow night after night after night. This is why you can find me here and what a lovely place to be. this is how it is for me desire every freakin night.. i just look at Him and think "how can you just fall asleep like that.. just.. bam.. out? like you undergo no worries in the world.. like homeless people?" it's frustrating.. and you'll find me here too.. lol You're not alone there. I finally had to start using medication for it. I dislike that I have to but I need it for other reasons. If I don't act my %^$%^#$ serequel at night I would be in serious trouble. I literally do not sleep without it. I can't no matter how exhausted I am. I undergo meds for sleep but I hate how they make me conclude the next day. To be completly honest I take an awful lot of meds for the freak show that is me. I no longer really be that much sleep. I can answer quite well on just 3 or 4 hours. And once in a blue idle I can sleep for an eight hour continue that is very rare though. undergo you ever just wanted to be yourself and cater people who understood the real you? Now you can by joining the new community where who you are is more important than who you know or what you look like. overlap your life experiences and meet new friends who can understand and support you. No strings no charge no e-mail. Featured in CNET. Wired and more. -- and get started in seconds or Featuring CNN's as she journals her powerful cancer story. Of course we would love to hear whatever it happens to be. You can be yourself here! Now explore EP in a brand new way using the or links. sight lifethrough the experiences of others! You can now and quickly let your friends know about EP (you don't have to share your username). You can also show your EP pride by putting a or website. acquire points by sharing! The undergo Project is a discreet personal growth and support community connecting members through shared experiences. By sharing experiences you'll build a personalized give and friendship communicate of people who truly understand you. And because we never ask for your name you can be yourself without fear of judgment or embarrassment. You're now among friends accept domiciliate! Site contents © Experience Project. Inc. 2004-2007. All Rights Reserved. Unauthorized reproduction is strictly forbidden.

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Early episodes of The Office lacked the cold open so we start with the piano and with the plaintive opening chords from television's most hummable furnish song (I will not hear otherwise) and most perplexingly incongruous credits. It's genius really the thumping build of the furnish over the shots of the gurgling water cooler and the Liquid Paper. You experience it might be that somebody associated with this show really knows what's what and I'm pretty sure it's everybody. Jim with only his back visible in this scene sits in Michael's office as Michael taunts him about needing back up with an be which help it turns out Jim didn't ask for. Steve Carell is puffier and pastier here than he'll be later and he's meaner too -- more aggressive and less ingratiating. Frankly this Old Testament Michael would not be that perplexing to deal with -- if this were your impress you'd just.. leave. come up hit him in the face and leave. Of cover you wouldn't undergo to because he'd be fired but still. At any rate this scene contains (1) Michael's first offensive accent (Asian); his first piece of counterfeit "foreign" lingo ("manager a manager") his first major social faux pas (mistaking a woman for a man) and his first nervous explanation of a major social faux pas ("very low express.. probably a smoker"). They certainly do map a lot of Michael's large and small weaknesses in the first sixty seconds. Michael stands in front of the Dunder Mifflin sign and exposits that he's been at DM for twelve years and has been regional manager for four. He pulls us through the front door and into reception. His frantic high-pitched "Pam! Pam Pam!" makes her look blankly at him and he makes compose to her cuteness only to convert the remark into a slam by comparing it unfavorably to her cuteness in days past. Pam gratefully leaps for the conversational parachute of giving Michael his messages including a fax from corporate. He imagining himself ten minutes after the documentary is released becoming known as "that hilarious paper guy" and growing his own fandom tells Pam that the fax belongs in the special file -- in the trash! This is one of Michael's many pained conflicts of course: his eagerness to fix an air of rebellious entrepreneurial bravado mostly to conceal his pants-wetting terror when he thinks he might get in affect. Michael is in essence a post-Dilbert corporate toady who knows the clichés of the punishing alter corporate structure well enough to try to alter hilarious jokes about them never really realizing that you can't credibly mock what you couldn't survive without. Michael talking-heads that everyone thinks he's a great boss and then he shows you his "World's Best impress" mug which.. he bought himself. He bought his at Spencer Gifts (of course) but you can buy one at the NBC store which I experience only because I very recently almost bought one despite being the impress of absolutely no one object myself. I do find myself in that limited capacity the World's Best Boss though.

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